Warren H Rivetz, CFP®
My Mission Statement
- Achieve successful funding of their life’s needs & goals
- Navigate financial decisions with non-financial ramifications
- Structure their investment strategies consistent with their values
- Optimize their after-tax returns while seeking to minimize risk
- Protect their family from catastrophic risks
My story & Services
The focus of our practice is developing a thorough understanding of our clients so we can help them make better financial, investment and borrowing decisions consistent with their goals, objectives and tolerance for risk. Here's some background information on me and my team.
Our Focus is Wealth Management: We view clients' finances from the perspective of their needs, objectives, and tolerance for risk. We will recommend investment strategies only after considering your particular circumstances and the management of the associated investment risks. Our conviction is that there is no substitute for careful financial planning.
Our Commitment: To help you achieve your financial goals by providing prudent and objective investment guidance. We work for you, our client. By considering what is in your best interest, we can help achieve your long-term success.
Our Goal: To develop mutually rewarding long-term relationships with our clients. We take investing seriously and try to restrict our clientele to investors, not speculators.
2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2023). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Estate Planning StrategiesFootnote3
- Retirement PlanningFootnote4
- Planning for Education FundingFootnote5
- Business PlanningFootnote6
- Corporate Retirement PlansFootnote7
- Executive Financial ServicesFootnote8
- Endowments and FoundationsFootnote9
- Trust AccountsFootnote10
- Asset Management
- Sustainable InvestingFootnote11
- Life InsuranceFootnote12
- Long-term Care InsuranceFootnote13
- Alternative InvestmentsFootnote14
- Cash Management and Lending ProductsFootnote15
NMLS#: 1278678
CA Insurance License #: 143718
My Process
LET'S HELP ENSURE THE FUTURE OF YOUR FAMILY & BUSINESS ARE IN GOOD HANDS.
Under my guidance, you can feel confident knowing that I dedicate my practice to helping safeguard what's most important to you:
- Donor Advised Funds are among one of the easiest and tax advantaged ways to give to charity for donors across the spectrum of wealth.
- Charitable Remainder Trusts aim to diversify asset holdings, potentially defer capital gains tax and benefit charity.
A variety of planning-related tools—including our award-winning Goals Planning System (GPS) and LifeView—which enable us to provide a single, comprehensive snapshot of your finances and adapt a wealth plan to your ever-changing life demands and modify goals as needed.
One of the chief concerns with growing families is planning their children's educational future. Deciding which investment vehicle will best set your child up for success decades in the future can be difficult and incredibly detail oriented. We make it our job to learn our client's needs and implement personalized strategies.
Help achieve your financial goals while maintaining your values and ideals. While making investments with impact can seem daunting, there are several ways to implement investments that can benefit you and the world around you:
Are you selling your business? Do you plan to keep it within the family? Or, is the sale of your business going to be offered publicly?
Your family business is just as important as family itself. It's important to ask these questions and plan accordingly to your unique needs. Let's work together to help ensure you're prepared for any potential changes to the business environment and equip your successors to seamlessly transition into their future roles.
When the time comes, you may want to transfer your assets to your loved ones. It can be difficult to decide which financial products are right for you, based on your unique financial needs and risk tolerance. It can be even more difficult to ensure that these policies are updated to incorporate major changes in your family, such as: children, marriage, death, and divorce.
If you have any questions about the information discussed here, please don't hesitate to reach out so that we may determine whether these investment strategies are right for you.
Tax Management Solutions
Taxes act as a drag on your investment performance that can be heavier than any fee you pay. But they might also be the easiest to reduce, with the right strategies in place. Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.
What is tax-loss harvesting exactly, and how do some investors use it to opportunistically reduce their tax bills?
Tax loss harvesting is a tax-efficient investing strategy that can help minimize the amount of current taxes you have to pay on your investments. To learn the ins and outs of tax loss harvesting, click the link below.
Gifting to family members involved important decisions about which types of assets to gift and the tax considerations of doing so.
This table shows the 2024 contribution limits for Retirement Plans, Traditional and ROTH IRA Contribution Limits, Health Savings Accounts, and more.
Charitable contributions can be advantageous for reducing yearly tax bills. Click this button below to access the Philanthropic Toolkit.
Your Destination for Election information
Get the latest from Morgan Stanley experts with our perspective on developments in U.S. and global elections.
Client Service Team
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Portfolio Insights
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
15Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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